Introduction

Welcome D S Integrated Finsec Pvt. Ltd. The domain name https://dsfinance.co.in (hereinafter referred to as “Website”) is owned by D.S. Integrated Finsec Private Limited, registered with The Reserve Bank of India as a base layer non-deposit taking Non-Banking Financial Company (“NBFC”) as defined under section 45-IA of the Reserve Bank of India Act, 1934 having RBI Registration No. B.01.00237 and is primarily engaged in the business of lending having its Registered Office in Rajkot, Gujarat, India. D.S. Integrated Finsec Private Limited is engaged in the business of Micro Business Loan, Gold Loan, Suchit Property Loan and allied activities. For more information, please visit www.dsfinance.co.in.

We, at D.S. Integrated Finsec Private Limited are strongly committed to protect the personal and financial information that the customer submits to us and would endeavour to protect it from unauthorised use. Use of this Website signifies your acknowledgement and consent to this Privacy Policy. If, however, you object to Your Information being used, processed and transferred by D.S. Integrated Finsec Private Limited in any way, please do not share your information on the Website.

By visiting/accessing the Platform (Website or App) and voluntarily providing us information, you consent to our use of it in accordance with this Policy. This Policy does not apply to third-party websites/applications connected via links.

This Policy describes our policies and procedures for collection, use, storage, processing, disclosure and protection of any information provided by you as a user. You must be a natural person who is at least 18 years of age. We may update this Policy from time to time; please review periodically.

Type of Personal Information Collected

Information you provide directly

• Identification Information: name, gender, residential/correspondence address, telephone number, date of birth, marital status, email address or other contact information.
• PAN, KYC status, signature and photograph.
• Bank account or other payment instrument details.
• Any other detail required by us for providing services.

Information collected from your use of our Services

• Monitor, improve and administer our platform; analyze usage; diagnose issues; maintain security.
• Manage risks including fraud against us or our partners.
• Communicate regarding services/products, process queries and applications (including marketing/promotions via calls/SMS/emails, where permitted).
• Manage relationship and inform about products/services you might find useful.
• Conduct data analysis to improve services; comply with applicable laws and regulations.
• Conduct KYC (including bank statement analysis and eKYC) directly or via authorized third-party providers.
• Use device information (location, device identifiers, installed apps metadata, Wi-Fi/mobile network info) for risk control, fraud detection and better services.
• Retain information as necessary to comply with legal obligations, court/government orders, resolve disputes and enforce agreements.

Device permissions (for App users)

• Location: to provide loan offers, anti-fraud and related features.
• Phone: device model/OS/unique identifier, network info for fraud prevention.
• Media & Files: to upload KYC documents/photos.
• SMS: transactional SMS (parties/description/amount) only; other SMS data not accessed.
• Phone Number: registration and sign-in.

You also consent that we may supplement the information we collect from you with data received from other companies or third parties (e.g., marketing segments) to customize services or offer more products.

Use of Information

The information collected is used solely to effectively provide services to you. If you do not allow us to collect required information, we may not be able to deliver some services effectively. You hereby provide explicit consent to use the data specified above as per this Policy.

Disclosure of Information

You provide explicit consent to disclosure of your information (including SPD & I) to our affiliates, employees and third parties for:

• Providing services and offering products (including with banks/NBFCs and service partners).
• Data analysis to improve services and analyze Platform use.
• Fraud detection, risk assessment and/or sending permitted promotional communications.
• Advertising via third-party networks/publishers (used only to assist our advertising efforts).
• Compliance with legal obligations, government/statutory orders, enforcing terms, corporate transactions, or protecting rights/property/safety (including information exchange for fraud protection and credit risk reduction).

Third parties are engaged under confidentiality where applicable. However, we are not responsible for breaches/actions of third parties that receive your personal information. We retain information as necessary to comply with legal obligations, resolve disputes and enforce agreements.

Storage and Security of Information

We store/process your information on secure servers/cloud providers or via physical visit at our office. We use safeguards including SSL encryption, firewalls and access controls. While we strive to protect your information, no transmission or storage method is 100% secure and any transmission is at your own risk.

Phishing

We never email asking for payment details, usernames or passwords. Be cautious of fraudulent websites/emails. We may verify credentials provided by you from time to time.

Severability & Exclusion; Governing Law & Dispute Resolution; No Waiver

If any part of this Policy is invalid/unenforceable, the remainder remains effective. This Policy applies only to information collected by us through the Platform and not unsolicited information you provide elsewhere (which will be deemed non-confidential). This Policy is governed by the laws of India and courts at Rajkot, Gujarat shall have exclusive jurisdiction. Rights/remedies are cumulative and may be waived only in writing; delay/non-exercise is not a waiver.

How to Contact Us